This great everyday VISA* card for students offers a wide range of convenient features, including purchase protection, common carrier travel accident insurance, car rental discounts and much more.

CIBC Classic Card for Students could be for you if you:

are a full-time student enrolled in a recognized college or university
are a Canadian citizen and you've reached the age of majority in your province or territory of residence
want a credit card for day-to-day convenience or unexpected emergencies
want a credit card with no annual fee (current regular annual interest rate is 18.5%1)
have a minimum annual income of $1,200

CIBC Classic Card for Students Key Benefits:

No annual fee (current regular annual interest rate is 18.5%1)
Avis car rental discounts of 5% to 25% at participating locations
$100,000 Travel Accident Insurance - Common Carrier

Protect your purchases

With most new personal items you charge to your CIBC Classic Card, you'll be covered by Purchase Security Insurance*. If the items are lost, stolen or damaged within 90 days of purchase, they will be replaced or repaired, or you will be reimbursed.
For added protection, Extended Protection Insurance* doubles the manufacturer's original Canadian or U.S. warranty for up to one additional year on most items charged to your CIBC Classic card.

Everyday convenience

VISA cards are accepted worldwide - use your card for travelling or shopping.
Get cash advances for up to $1,000 daily (subject to your available credit and daily limits) at any bank machine displaying a VISA, PLUS* or INTERAC logo.2
Emergency card replacement and a cash advance of up to $1,000 Cdn (subject to your available credit limit) if your card is lost or stolen while travelling outside of Canada.
Free personalized CIBC Convenience Cheques are also available.3
You can make payments on your CIBC Classic Card at any bank machine that accepts payments, through CIBC Telephone Banking or Online Banking, by mail to CIBC Credit Card Services, or at any financial institution that accepts VISA payments.
Use your CIBC Classic Card at CIBC bank machines, or for InterBranch banking, to make deposits, withdrawals (maximum $1,000 daily), transfers, bankbook updates and account inquiries for up to 10 CIBC deposit accounts and five CIBC credit card accounts.

Information you need to know:

Minimum credit limit: $500
No annual fees
Additional cards: FREE (maximum 3 cards per account)
Current annual interest rate: 18.5%1

It's easy to apply

You can apply for a CIBC Classic Card for Students online, by phone at 1-800-465-CIBC (2422) or by visiting a CIBC branch and speaking with a Personal Banker.

Optional features available:

CIBC Payment ProtectorTM can make VISA payments for you when you're unable.
CIBC Auto Club provides travel protection when driving in Canada and the continental U.S.
Trip Cancellation Insurance covers your pre-paid and non-refundable travel costs just in case your trip is cancelled before you leave. It is available in combination with Trip Interruption Insurance, which covers any additional expenses of getting you back to where you started in case your travel plans change while you're away.
CIBC Travel Medical Insurance protects you and your travel companion from out-of-pocket medical costs when travelling outside your home province and provides you with a variety of helpful pre-trip services. To purchase, call 1-800-898-0392.

Trademarks and Disclaimers

1 The interest rate will change from time to time on at least 30 days prior notice to cardholders. If your credit rating and financial situation do not meet certain criteria set by CIBC, CIBC may still issue the card but at a higher interest rate.

2 Cash advances bear interest from the date they are taken. Advances are subject to available credit. A small fee applies on each cash advance (except by Convenience Cheque).

3 Personalized Convenience Cheques can be ordered by calling a CIBC Customer Service Representative. Convenience Cheques are treated as cash advances.

Avis discounts are available at participating Avis locations and are applied automatically when you use the Card to pay for the rental (Quebec residents may obtain the discount without using their Card, provided they show the Card when paying by an alternative payment option acceptable to Avis).

Insurance features/options

Travel Accident Insurance - Common Carrier is underwritten by Chubb Insurance Company of Canada; common carrier fares must be charged to the card before departure to activate coverage. Purchase Security and Extended Protection Insurance is underwritten and administered by Elite Insurance Company; merchandise must be charged to the card to activate coverage. Optional insurance coverage: CIBC Trip Cancellation /Trip Interruption Insurance and CIBC Travel Medical Insurance are underwritten by The Sovereign General Insurance Company, and administered by TIC Travel Insurance Coordinators Ltd. All insurance is subject to limitations and exclusions outlined in the insurance certificates distributed with the Card Package (for coverage included with the Card) or on enrolment (for optional coverages).

TM Trademark of CIBC

* VISA, PLUS and Purchase Security and Extended Protection are trademarks owned by Visa International; CIBC is a licensed user of the marks. is a trademark of INTERAC Inc.; CIBC is an authorized user of the trademark. American Express Travellers Cheques and Cheques for Two are INTERACregistered trademarks of American Express Company, used under license.